Do I call my insurance if someone else hits me?
Asked by: Dr. Mack Gorczany | Last update: September 24, 2025Score: 4.1/5 (69 votes)
When someone hits you, do you call your insurance or theirs?
Even if the damage is minor, it is important to contact your own insurance provider as soon as possible (no matter who you think is at fault) to ensure that you can get your claim started and completed quickly.
Do I call my insurance if I'm not at fault?
Yes. Regardless of fault, it is important to call your insurance company and report any accident that involves injuries or property damage. It is a common myth that you needn't contact your insurance company if you aren't at fault.
Am I supposed to talk to the other person's insurance?
At some point after a car accident, you'll probably receive a call from the other driver's insurance company. Here's what to know at the outset: You're typically under no legal obligation to talk to the other driver's car insurance company, and any time you do, it's crucial to watch what you say.
Do I give my insurance to someone who hit me?
Yes, you do have to exchange insurance information with the other party involved in the accident. This is a customary procedure that ensures both parties can file claims and have their damages covered. After the collision, make sure to call the police to document the incident officially.
The driver who hit me doesn't have insurance. Can anything be done?
Should I file a claim if I'm not at fault?
Always File a Claim, Regardless of Who Was At-Fault
One of the primary questions we receive from clients who have been in an accident is whether they should report the accident to their own auto insurance carrier, particularly when the accident was not their fault. And the answer to that question is: always.
Can I call insurance on behalf of someone else?
In many cases, those listed on the policy as beneficiaries or executors are able to complete the claim process. In certain scenarios, a third party may be able to file claims on behalf of the insured individual. Here are the steps: Contact the Insurance Company.
Does your insurance go up if someone hits you?
If you are involved in an accident and file a claim, even if it was not your fault, your insurance company may see you as a higher risk to insure and increase your rates. Consider speaking with a licensed insurance agent to see how much insurance could increase after an accident where you're not at fault.
Should I let my insurance know if it wasn't my fault?
Yes, it is generally advisable to notify your insurance company even if the accident wasn't your fault. Most insurance policies require policyholders to promptly report any accidents or incidents, regardless of fault.
Do I have to pay my deductible if someone hits me?
The purpose of the deductible is to share financial responsibility between the insured and the insurance company. It also discourages filing small or frivolous claims. You may have to pay your deductible if someone hits you—even if you're not at fault.
How do I claim insurance if it's not my fault?
After a car accident that's not your fault, you can file a third-party claim with the at-fault driver's insurance by providing details of the accident and supporting evidence like photos and a police report. Geoff Williams is a freelance journalist and author in Loveland, Ohio.
What to do if someone claims you hit their car?
- Evaluate the Situation.
- Speak to the Other Party Politely.
- Take Photos and Videos.
- Gather Witnesses.
- Check for Nearby Cameras.
- Report the Incident.
- Explain Your Side Clearly.
- When to Consult an Attorney.
When not to call car insurance?
The only time you do not need to call your insurance company is when the accident happens on your own property, involves no other drivers (so no one else may be at fault) and the damage to your vehicle is minimal or at least of an amount you can afford to cover on your own or lose altogether.
Do I get paid if someone hits my car?
If you can prove that a specific vehicle/person was responsible for the crash, and they have insurance, or money for damages, yes.
Should I talk to the other person's insurance company?
After an accident, it's advised not to speak with the other driver's insurance company. You are not legally required to speak with the other driver's insurance company or give a recorded statement. They often employ tactics to use your statements against you, potentially minimizing your payout.
Do I lose no claims if it wasn't my fault?
Does a non-fault claim affect my no-claims bonus? It might sound unfair, but you can lose your no-claims bonus for an incident even if it wasn't your fault (unless you've got a protected no-claims bonus). After all, it's a “no-claims bonus”, not a “no-blame bonus” – and a claim is a claim, regardless of who's at fault.
Is it better to use your insurance or theirs?
After a car accident, you should notify your insurance company and file a claim, and not deal with the other driver's insurer. Except in rare circumstances, it is not wise to contact them. Your insurance company represents you, and the other driver's insurance company represents them.
Does my insurance get involved if someone hits me?
Certain states, including California and Oklahoma, legally prohibit insurance companies from raising customer rates after no-fault claims.
Will my insurance go up if someone hits me without insurance?
But, as a California personal injury attorney I can assure you that your insurance company should not raise your rates for making an Uninsured or Underinsured Motorist claim on your policy. In fact, in most cases, doing so may violate long-standing California legal statutes.
How long does an accident affect your insurance?
In the state of California, most vehicle accidents will stay on your record for around 3 years.
Do you call your insurance or theirs?
If you absolutely have to speak to the other party's insurance, have your own insurance agent do the talking. And if the other driver won't contact their insurance or doesn't have any, call yours and explain the situation.
How do I talk to car insurance after an accident?
- Don't Admit Fault. ...
- Contact an Attorney. ...
- Beware of Recorded Statements. ...
- Watch Out for Speedy Settlement Offers. ...
- Don't Give Too Much Detail About Your Injuries. ...
- Remember: Insurers Are Not on Your Side. ...
- Document the Accident and Your Injuries.
Should I file an insurance claim for bumper damage?
It may not make sense to file a claim if the bumper damage is minor and the repair cost is lower than your auto insurance deductible. If you have a low deductible, it may be worthwhile to file a claim, even for minor repairs.
What happens if I don't call my insurance after an accident?
There is no California law per se about notifying your insurance company after a collision, but your auto insurance policy is a contract. When you signed it, you agreed to the stipulations in the contract, which will almost certainly include the requirement to notify the insurance company promptly after an accident.
How does insurance work if it's not your fault?
Who pays in a no-fault accident? If there's an accident between two drivers, each party's PIP coverage typically pays for their respective medical bills and/or wage loss up to their policies' limits, no matter who caused the accident.